Jane's January 2025 Retirement Income Update: A Conservative Forecast Of Income Growth

2025-03-01 09:00:00 ET

Summary

• Forecasting is challenging but essential; balancing simplicity and complexity is key to insightful analysis without being overly complicated or boring.
• Conservative forecasts show a potential -14.0% income drop in the Traditional IRA and -.9% in the Roth IRA for FY-2024.
• With January's numbers updated, the updated forecast has already improved considerably to -13.2% and -.2%, respectively.
• Despite a weaker growth outlook, Jane's portfolios have consistently achieved positive income growth, with double-digit increases in most years.

I'd be lying if I didn't say that I hate doing forecasts. Forecasting is one of those things where you might dislike it, but that doesn't mean that it's not necessary.

On a similar note, I have been installing new doors, door frames, and stained wood trim in my house, which requires a considerable amount of sanding. Long hours of sanding are about the closest thing I can think of to being universally despised, but it is one of those activities that is clearly revealed in the final product, as there is no substitute for the level of effort and attention to detail needed to make the final product beautiful....

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